RateGenius Reviews
Learn why 400,000+ people have trusted RateGenius for their vehicle financing
Top ratings from thousands of satisfied customers
4.9 Stars
4.7 Stars
Decades of experience serving drivers
RateGenius has over 25 years of experience helping drivers save on their auto loan. Our team of loan specialists provides support and guidance throughout the process of securing or refinancing your car loan.
What people are saying about RateGenius
KIM
Megan was extremely helpful with everything. I am very satisfied with the whole process and appreciate everything. 5 stars for Meganđđ
B-rad
Megan was wonderful she helped us every step of the way and was very nice
ryan
Max
Loan process was i credibly easy. Kyle was helpful and efficient in getting my approval and loan closed within 2 weeks. Highly recommended
Juillet
Absalon
Emily
Hayley was amazing helping me transition my current auto loan into a refinance loan and was available at moments notice. Thank you for helping me with this and continue to do amazing work.
Joseph
Rate Genius handle the refi so quick, thanks a lot
Miu Zenn (Miu
I had an excellent experience working with Victoria Benton on my auto refinance. She not only helped me save money in the long run but also went above and beyond by including GAP and car maintenance insuranceâgiving me real peace of mind and long-term protection for my vehicle. When another lender tried to increase my rate due to a minor correction in my carâs model year, Victoria stepped in and actually negotiated me a better rate instead. Her professionalism, persistence, and customer-first attitude really stood out. I genuinely appreciate her dedication and would absolutely work with her again when I purchase my next car.
Adam
I worked with Akmal (Oz). Easy/fast/smooth process. He was very knowledgeable and worked with me and my questions and suggestions. I would work with him again. Thank you again!
Common questions, answered
Is RateGenius legitimate?
Yes, RateGenius is a legitimate automotive finance company that is licensed to operate across the United States. Founded in 1999, RateGenius partners with over 150 established banks, credit unions and finance companies located nationwide to connect drivers with affordable options to meet their automotive finance needs.
What does RateGenius do?
RateGenius operates the largest nationwide online marketplace for auto loans. RateGenius gives drivers access to competitive rates on auto loan financing and refinancing, enabling them to lock in meaningful savings on their monthly payment and interest rate.
Does RateGenius have good reviews?
Across thousands of comments and feedback, RateGenius has earned overwhelmingly positive reviews from its customers! You can see for yourself what people are saying on platforms such as Birdeye and Google Reviews. The Better Business Bureau also has given RateGenius and its business practices an âA+â rating.
Is RateGenius a direct lender?
RateGenius does not operate as a direct lender. Our role is to bring together drivers seeking affordable auto financing and a network of direct lending partners. We make the process efficient by finding you the best deal we can, and handling many of the details so you donât have to.
Does RateGenius do hard credit inquiries?
RateGenius performs a hard credit inquiryâalso referred to as a hard credit pullâfollowing the submission of a loan application. This is an important and necessary step that enables RateGenius to get drivers the most favorable and competitive terms on auto loan offers coming back from our lender network. Hard credit inquiries do appear on your credit report, but one of the benefits of working with us is that youâre accessing dozens of lenders through the RateGenius loan application, putting that hard inquiry to work!